American Express Business Gold Card
4x in your top two business categories, automatically.
Welcome Bonus
100,000
≈$2,000 value
Spend Requirement
$15,000
in 3 months
Annual Fee
$375
No FTF
Credit Score
700+
(Good-Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 4xTop 2 of 6 eligible categories each cycle (up to $150k/yr)
- 3xFlights and prepaid hotels via Amex Travel
- 1xAll other purchases
Credits ($395/yr stated)
- Flexible business credit$240
$20 monthly: FedEx, Grubhub, office supply stores
- Walmart+ membership credit$155
Benefits
- ✦4x categories adapt to your spending automatically
- ✦Full Membership Rewards transfer access
- ✦Amex Offers and purchase protection
Why it earns its spot
- +4x on ad spend alone justifies the card for marketers
- +No category tracking, the top two are picked for you
- +Credits realistically offset most of the fee
Where it costs you
- −$375 fee with monthly-gated credits
- −$150k annual cap on the 4x rate
- −Weak earner outside the six categories
The Compound Verdict
If your business spends on advertising or shipping, 4x transferable points is hard to beat at any fee. The automatic category selection removes the usual optimization tax. Light spenders should start with the no-fee Blue Business Plus instead.
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